As some of you who have been reading this blog know, I've been working with a friend and helping him with a disability insurance appeal. He is HIV positive, has chronic disabilities due to the fact that he didn't know he was HIV positive until it was almost too late, and his long term disability was canceled last November.
Even though I haven't mentioned this on the blog for a while, it's been a non-stop process since November and I've been working with an attorney to make sure I get it right.
And it's now down to the wire. Last week I drove him to Philadelphia for an IME. This is an Insurance Medical Exam, where he was checked out by an ID doctor the insurance company chose. The IME is the final stage of the appeal process. If his long term disability isn't reinstated after what the insurance company's doctor saw last week, there's something seriously wrong. And if this is the case, I intend to continue fighting this until we win.
But for now, I'm hoping for the best and I'm hoping his insurance is reinstated. He's been through more stress in the last three years than most people go through in a lifetime. And having long term disability denied, after all he's been through, considering all his physical disabilites, just isn't fair.